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ABOUT US

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The focus of Merrick Financial & Credit Services (MFCS) is to empower families to overcome financial and credit problems so they can truly achieve financial freedom and reach their potential according to God's best for their lives. At this website you will find every possible plan to meet that objective. 

Merrick Financial

& Credit Services, Inc.

EST 2008

Founder and President

The founder and President of Merrick Financial & Credit Services is Ash S. Sands who has been providing financial counseling and mortgage related services since 2001. He is a Certified Credit Counselor, Licensed Mortgage Loan Originator and Licensed Life Insurance Agent with  a wealth of knowledge and experience in every subject listed on this website.

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Family at a Beach

We all can find ourselves in the middle of unmanageable debt at some point in our lives.

 

This could be a result of unexpected illness, accident, job loss, a broken relationship, divorce, over-reliance on credit cards or circumstances beyond our control. Even the best laid financing plans can be derailed. With creditors and collection agencies calling, more bills than money at the end of the month and the ongoing anxiety of financial hardship our goal is to provide you with a debt management program geared to your income and expenses and to help you eliminate a major source of stress.

 

MFCS offers an array of different services to help families and individuals overcome the bondage of indebtedness and achieve credit worthiness. We are here to help families and individuals who fall into any of the following categories:

  • Unable to pay bills on time.

  • Using credit cards as a supplement to income.

  • Borrowing money to pay bills.

  • Writing NSF checks to pay bills before pay-day.

  • Receiving papers from court to appear for non-payment of bills.

  • Receiving calls at work or home from creditors demanding payments.

  • Unable to operate within a budget.

  • Contemplating bankruptcy or leaving the area to get a new start.

  • Can’t qualify to buy a house or major items.

  • Have detrimental information on credit reports.

  • Most of income goes to pay bills.

  • Not saving on a regular basis.

 

Here, at MFCS, our primary focus is to get you OUT OF DEBT! ​

 

We also have several education based materials on this website that we are certain will be a benefit to you. We look forward to having the opportunity to offer you the assistance that you need to overcome your debt and credit issues. We appreciate that you were able to visit us today! May God bless you in your efforts to arrive at financial freedom.

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HOW WE CAN HELP YOU

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Everyone worries about debt. Our counselors can help you find solutions to your money problems and show you how you can get out of debt with dignity.

 

We will explain to you the different types of solutions for your kind of difficulty. These solutions may include credit counseling, debt negotiations, credit repair and in some cases even bankruptcy. We also partner with reputable and talented third-party professionals that can also assist in the journey to financial freedom as well as essential financial services. 

Begin your journey to your financial freedom!

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